QuonticReviews of quontic.com

absolute garbage.

We didn't really get to try out their services. They rejected our application but can't tell us why. "Their system only gives general information ". Everything seems correct on the application and we were trying to deposit $100k. If you apply a second time and get rejected you are banned for life. This was confirmed by two different customer service reps.

I refinanced my construction loan to a permanent mortgage with Quontic and the entire team was outstanding to work with. They all pushed hard to get the loan closed quickly. I highly recommend them.

As stressful as a mortgage process can be, and it was, I have to acknowledge all the patience, kindness and guidance with which the whole Quontic team demonstrated throughout the entire process. Marcelo Bianchi (a truly empathetic people's person) in the beggining of the process and Patricia Almodovar towards the end and most exhausting part of it did everything they could to assure me that things would work out as smooth as they possibly could, to which I am very thankful.

Spent two days dealing with a Quontic robot which gave me the feeling of living in one of Isaac Asimov's science fiction books. The list of reasons for denial in Quontic email had four possible reasons. I ruled out three (address, phone, public records) but noticed in the Quontic FAQs that likely my technology did not meet the latest device/OS requirements. So if one has a high credit score, lives financially and otherwise stable life with the same address and phone number for ages it still not good enough for the robot banker. Electronic device is more important. I did not get the CD that offered a higher rate than my current financial institution but now I am glad. No one know when robot decides something (like my money does not belong to me and I will not be able to prove it to the machine) and no one can override the robot-made decision, at least according to the Quontic customer service. Was Ella on the Quotic customer service chat and phone a human or an AI sounding like human? Please be foreworned.

Thank you Marcelo Bianchi-Montana for helping me to get my dream come true. I am very excited with my new house. You're excellent helper. Thanks to you and your team as well.

It was a great experience

I attempted to open an account with Quontic Bank recently, and my application was declined. No specific reason was given, but they did state that it was NOT as a result of a credit check. It appeared they had declined based on my identity verification. Strange, as I have had my present address and landline phone number for more than 10 years, and I have been doing business with my present brick-and-mortar bank for more than 10 years as well. I have a valid state ID (which is what they requested, along with a Social Security number which I have held for more than 50 years), as well as a valid US passport. My identity has never been questioned before. I called Quontic to get an explanation, but they were unable (or unwilling) to provide one. I received two "emails" from them the following day, however these emails were actually links to a "customer portal" - please remember I was NOT a customer; they had declined my application. I also received a phone call from Quontic, not on the landline number I left with them but rather on a cellphone number they had acquired with called ID from the inquiry call I had made to them earlier. I found the whole situation a bit dodgy - emails linking me to an "account" they had refused to open and thereby keeping all the correspondence on their own servers so I would have no copies. And the customer service rep who telephoned me seemed far less interested in figuring out why my identity was being questioned and far more interested in getting me to open a different type of account. She said they would investigate the identity verification issue only after I had opened this second account. Very strange indeed. Quontic Bank had already acquired a great deal of my personal information - name, address, DOB, SSN, state ID number, landline number, cellphone number, email address - and not only did I not have an account, but I had neither an explanation for why nor a guarantee that the information they had acquired would remain confidential. Way too sketchy for me. UPDATE - It seems Quontic has provided a response suggesting that the problem has resulted from a report from ChexSystems. ChecxSystems reports problems with bank accounts - bounced checks, unpaid fees, etc. - and they had previously advised me that the rejection of my application was NOT as the result of a ChexSystems report. I have been with my present bank for more than 10 years with no problems whatsoever and frankly, I resent the implication. I am appalled that they have attempted to deflect my complaint by implying that I am in some way at fault. If it wasn't so offensive it would be laughable. As I said, way too sketchy...